Group 1 - Several banks have recently announced reductions in deposit rates, with some term products decreasing by 20 basis points, as a strategy to alleviate pressure on the liability side amid declining loan rates and narrowing net interest margins [1][2] - Jiangsu Bank has lowered its 3-year deposit rate from 1.85% to 1.75%, while other terms remain unchanged at 1.5% for 1-year and 1.6% for 2-year deposits [1] - Other banks, such as Shengzhou Ruifeng Rural Bank, have also adjusted their deposit rates, with rates for various terms reduced by 10 to 20 basis points [1] Group 2 - The banking industry is experiencing significant pressure on net interest margins, with the average net interest margin for commercial banks reported at 1.42% in Q2 2025, a year-on-year decrease of 0.12 percentage points [2] - Analysts suggest that the high proportion of fixed-term deposits in small and medium-sized banks leads to higher interest costs compared to demand deposits, necessitating a reduction in deposit rates to manage liability costs [2] - The recent stability in the Loan Prime Rate (LPR) indicates potential for further declines to stimulate domestic demand and stabilize the real estate market [2] Group 3 - Banks are adopting proactive measures to manage both asset and liability sides, with Changshu Bank emphasizing cost control and optimization of deposit structures to reduce overall interest expenses [3] - Despite facing challenges from competition and regulatory pressures, small and medium-sized banks maintain unique advantages due to their geographical and relational strengths [3]

Core Viewpoint - The recent trend of banks, including Jiangsu Bank and various village and city commercial banks, is to lower deposit interest rates in response to intense industry competition and declining loan rates, which is putting pressure on net interest margins [1][3][4]. Group 1: Deposit Rate Adjustments - Jiangsu Bank has reduced its three-year fixed deposit rate from 1.85% to 1.75%, a decrease of 10 basis points [1][3]. - Several small and medium-sized banks have also announced adjustments to their deposit rates, with some rates dropping by 10 to 20 basis points [3]. - The current deposit rates for Shengjing Bank are 1.4% for six months, 1.5% for one year, and 1.95% for three years, indicating a potential for future reductions [3]. Group 2: Net Interest Margin Pressure - The banking industry's net interest margin is under significant pressure, with commercial banks reporting a net interest margin of 1.42% in Q2 2025, down 0.01 percentage points from Q1 [4]. - Large commercial banks and joint-stock banks have seen a decline in their net interest margins, while city and rural commercial banks have maintained their margins [4]. - The latest one-year and five-year LPR rates remain unchanged, but there is speculation about potential downward adjustments in the future to stimulate demand and stabilize the real estate market [4]. Group 3: Liability Management Strategies - Banks are focusing on liability management and stabilizing net interest margins, with examples like Changshu Bank actively optimizing their deposit structure and controlling high-cost long-term deposits [5]. - In May, the six major state-owned banks collectively announced reductions in RMB deposit rates, with one-year and two-year rates down by 15 basis points and three-year and five-year rates down by 25 basis points [5].

Core Viewpoint - Jiangsu Bank's stock price increased by 1.26% on August 20, 2025, reflecting positive market sentiment and trading activity [1] Group 1: Stock Performance - As of August 20, 2025, Jiangsu Bank's stock price was reported at 11.25 yuan, with a trading volume of 2.1179 million shares and a transaction value of 2.398 billion yuan [1] - The stock opened at 11.07 yuan, reached a high of 11.50 yuan, and a low of 11.07 yuan, resulting in a price fluctuation of 3.87% [1] - The net inflow of main funds on August 20 was 170 million yuan, accounting for 0.08% of the circulating market value [1] Group 2: Banking Operations - Jiangsu Bank is a significant urban commercial bank in Jiangsu Province, primarily engaged in corporate banking, personal banking, and funding operations [1] - The bank has a wide network of branches throughout Jiangsu Province, enhancing its market presence [1] Group 3: Interest Rate Adjustment - Jiangsu Bank announced a reduction in the three-year fixed deposit interest rate by 10 basis points to 1.75%, with a minimum deposit amount of 10,000 yuan, effective from August 20 [1] - The one-year and two-year fixed deposit interest rates remain unchanged, aligning with the trend of several small and medium-sized banks lowering deposit rates [1] - The primary objective of this adjustment is to control liability costs and stabilize net interest margins [1]

| 代码 | 名称 | 主力净流入 (元) | 主力净占比 游资净流入 (元) | | 游资净占比 散户净流入 (元) | | 散户净占比 | | --- | --- | --- | --- | --- | --- | --- | --- | | 600919 江苏银行 | | 1.70 Z | 7.07% | -6735.31万 | -2.81% | -1.02 Z | -4.26% | | 6000000 | 南京银行 | 1.37亿 | 23.69% | -2984.65万 | -5.18% | -1.07 Z | -18.51% | | 601665 | 齐鲁银行 | 7332.09万 | 17.29% | -4974.69万 | -11.73% | -2357.40万 | -5.56% | | 002948 青岛银行 | | 4859.32万 | 24.84% | -938.50万 | -4.80% | -3920.83万 | -20.04% | | 601229 | 上海银行 | 3676.11万 | 7.96% | -920.75万 | -1.99% | -2755.36万 | -5.96% | ...

A股市场银行股普涨，其中，江苏银行、杭州银行、江阴银行、渝农商行涨超2%，中国银行、成都银 行涨近2%。值得注意的是，邮储银行创历史新高。 责任编辑：栎树 | 代码 | 名称 | 涨幅% ↓ | 总市值 | 年初至今涨幅% | | --- | --- | --- | --- | --- | | 600919 | 江苏银行 | 2.61 | 2092亿 | 21.94 | | 600926 | 杭州银行 | 2.32 | 1185亿 | 13.76 | | 002807 | 江阴银行 | 2.04 | 123亿 | 20.15 | | 601077 | 渝农商行 | 2.00 | 752亿 | 14.69 | | 601988 | 中国银行 | 1.98 | 18269亿 | 7.50 | | 601838 | 成都银行 | 1.88 | 783亿 | 13.12 | | 601187 | 厦门银行 | 1.49 | 180亿 | 23.97 | | 002958 | 青农商行 | 1.45 | 194亿 | 18.81 | | 600928 | 西安银行 | 1.30 | 173亿 | 10.36 | | 6 ...

Core Insights - The A-share market saw a broad increase in bank stocks, with notable gains from Jiangsu Bank, Hangzhou Bank, Jiangyin Bank, and Chongqing Rural Commercial Bank, all rising over 2%. Postal Savings Bank reached a historic high [1] Summary by Category Stock Performance - Jiangsu Bank increased by 2.61%, with a total market capitalization of 209.2 billion and a year-to-date increase of 21.94% [2] - Hangzhou Bank rose by 2.32%, with a market cap of 118.5 billion and a year-to-date increase of 13.76% [2] - Jiangyin Bank saw a 2.04% increase, with a market cap of 12.3 billion and a year-to-date increase of 20.15% [2] - Chongqing Rural Commercial Bank grew by 2.00%, with a market cap of 75.2 billion and a year-to-date increase of 14.69% [2] - China Bank increased by 1.98%, with a market cap of 1,826.9 billion and a year-to-date increase of 7.50% [2] - Chengdu Bank rose by 1.88%, with a market cap of 78.3 billion and a year-to-date increase of 13.12% [2] - Other banks such as Xiamen Bank, Qingnong Commercial Bank, and Xi'an Bank also showed positive performance, with increases ranging from 1.30% to 1.49% [2]

Group 1 - The banking sector experienced a significant rally, with Jiangsu Bank and Hangzhou Bank both rising over 2% [1] - Other banks such as Jiangyin Bank, Bank of China, and Xiamen Bank also saw increases in their stock prices [1]

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银行 2025 年 2 季度经营数据： 净息差环比微降 1bp 至 1.42%；净利润增速边际向上 银行 证券研究报告/行业专题报告 2025 年 08 月 18 日 评级： 增持（维持） | | 简称 | 股价 | | | EPS | | | | | PE | | | 评级 | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 分析师：戴志锋 | | （元） | 2023A | 2024A | 2025E | 2026E | 2027E | 2023A | 2024A | 2025E | 2026E | 2027E | | | 执业证书编号：S0740517030004 | 江苏银行 渝农商行 | 10.98 | 1.69 | 1.65 | 1.91 | 2.03 | 2.15 | 6.50 | 6.65 | 5.75 | 5.41 | 5.10 | 买入 买入 | | | | 6.55 | 0.94 | 0.99 | 1.07 | 1.12 | 1.16 | 6.97 | 6.62 ...

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